Notice of Your Financial Privacy Rights

At Citizens Bank of Effingham, we put our customers first and take pride in offering financial services that meet our customers' needs. While information is the cornerstone of our ability to provide superior service, our most important asset is our customers' trust. We appreciate the trust our customers have in Citizens Bank of Effingham and place the highest priority on their privacy. We therefore commit to customers that we will take reasonable steps to protect the privacy of the information shared with us.

We, our, and us mean Citizens Bank of Effingham.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:
  • Deposit account
  • Loan account
  • Safe deposit box
  • Self-directed Individual Retirement Account where we act as custodian or trustee
• All former customers

We will tell you the sources for nonpublic personal information we collect on our customers. We will you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

The Information that We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• lnformation about your transactions with us
• lnformation about your transactions with nonaffiliated third parties
• lnformation from a consumer reporting agency

Information We Disclose About You

We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

More lnformation
If you have any questions or would like additional information, please feel free to contact us at 912.754.0754.